Creative Solutions Adds Collection Communications Platform to FICO Marketplace
Creative Solutions International has made its Collections Marketing Platform available through FICO Marketplace, giving lenders and servicers a way to turn account-level decisions into tailored collection communications. The platform combines customer segmentation, behavioral design and automated production and fulfillment.
- Creative Solutions' Collections Marketing Platform is now available on FICO Marketplace.
- The platform creates collection letters based on delinquency stage, account type and behavioral profile.
- Creative Solutions manages daily production and fulfillment after workflow integration.
- The company reported reductions in roll rates and increases in payment rates and settlements.
- A test found higher payer rates when letters were added to email communications.
From account decisions to tailored messages
The Collections Marketing Platform is designed to help financial institutions move beyond generic, system-generated collection letters. According to Creative Solutions International, it uses customer segmentation, behavioral science, message framing based on how people read and respond, and decision design to shape communications.
Once connected to an existing collections workflow, the platform ingests daily account files. It applies segmentation logic to produce letters matched to each account's delinquency stage, account type and behavioral profile. Creative Solutions then manages daily production and fulfillment, while using response and performance data to refine targeting and creative over time.
The company said this gives lenders a path from account-level decisioning to customer communication without requiring manual campaign work.
What the platform claims to deliver
Creative Solutions said its behavioral and cognitive design framework has produced a 26% reduction in roll rates, a 15% increase in payment rates and a 48% improvement in settlements.
In a recent test comparing letters combined with email against email-only communications, adding letters produced a 7.2% payer lift for a settlement population and a 33% payer lift for a pre-sale population, according to the company.
“Our platform makes every communication more purposeful, using data and behavioral design to deliver the right message, to the right customer, with the right offer at the right point in the collections journey, without adding operational complexity,” Creative Solutions International CEO Kevin B. Foley said.
Integration through FICO Marketplace
FICO Marketplace is a decision asset-based marketplace powered by FICO Platform. FICO describes it as a digital ecosystem where customers can discover, access and deploy pre-built offerings, including AI models, data services and analytics.
The marketplace connects FICO customers with third-party data, AI and optimization models, and full solutions that can be integrated directly into decisioning workflows across an organization. FICO said this allows lenders to bring in partners without rebuilding the systems underneath.
“A good decision still has to reach a customer,” FICO Chief Revenue Officer Jason Andrew said. “In collections, that moment is a letter or an email, and too often it gets treated as a box to check.”
For lenders and servicers, the listing provides access to an automated communications layer within an existing decisioning environment. Creative Solutions International said it has more than 30 years of experience helping financial institutions, lenders, fintechs and other organizations improve customer engagement and business outcomes.
